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union and two articles from the ap and the new york times. if i could enter those things into the record, i would appreciate it. i wanted to get your perspectives on this. in your recent report you cite research showing 40% of credit disputes are related to collections, events. before we jump into that piece of it, over all, this issue of the complexity of medical that and resolving it, whether it is a good predictor or whether it should be part of the credit reporting system. >> i appreciate your bringing this issue up. it is definitely a source of concern. the fact that collections items are disputed at high rates is not a surprise. -information's its disputed more often than positive information. we should expect higher rates on collective items. i think you have pointed out in some of your own correspondence over half of collections items about 10 years ago a denture a fed study come from -- in a fed study comes from medical collections items, which is way out of proportion to the role the health-care system plays a in the economy compared to debt. >> is that the federal reserve stud
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